A simple Answer TO yOUr Question
Do I need a big down payment if my credit score is not great?
A larger drive-off (down payment) reduces your monthly payment but generally does not improve your approval odds or your money factor. Lenders approve or decline based on your credit profile — not how much cash you put down upfront. If your score is borderline, the better moves are reducing credit card utilization, disputing errors, or considering a co-signer. Putting a large chunk down on a lease can also mean that money is at risk if the vehicle is totaled early in the lease term.
📥 FREE DOWNLOAD
The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
Smart move!
Download the guide below, plus we've sent a copy to your inbox.
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Value Tracking
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Insurance Coverage
Effortless to buy and personalized to you, with coverage deals with Vantage.
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600+ Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
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Incredibly easy to buy a car. We found the one we want. All arrangements made on the phone. The car was seamlessly delivered to our house. Very smooth process!!
Incredibly easy to buy a car. We found the one we want. All arrangements made on the phone. The car was seamlessly delivered to our house. Very smooth process!!
Todd Krell
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process could not have been easier, everyone should get their car this way - save yourself time and money and the team is great!
process could not have been easier, everyone should get their car this way - save yourself time and money and the team is great!
Jamie Tanker
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alexandra monard
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Great service. David and Jess were incredibly helpful and the whol process could not have been easier.
Great service. David and Jess were incredibly helpful and the whol process could not have been easier.
Marcella Farman
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I recently leased a car through Vantage Auto Group in Watchung, NJ, and worked directly with Sean Ulsaker. The experience was nothing short of remarkable. No pressure, no obligation, no haggling—just honest, efficient, and top-tier service.My car broke down on a Monday. I contacted Sean, and by Thursday, I had a new vehicle delivered to my place of business. He guided me through car recommendations, arranged test drives the very next day, handled all the paperwork, and made the entire process seamless. I didn’t even have to leave my office.From now on, I’ll be working exclusively with Vantage Auto and recommending them to anyone looking for a stress-free car leasing experience. Sean and the team truly go above and beyond. thank you Sean for the excellent service. First time leasing a car and not having to take headache pills.Again, thanks! Manny Barrueco
I recently leased a car through Vantage Auto Group in Watchung, NJ, and worked directly with Sean Ulsaker. The experience was nothing short of remarkable. No pressure, no obligation, no haggling—just honest, efficient, and top-tier service.My car broke down on a Monday. I contacted Sean, and by Thursday, I had a new vehicle delivered to my place of business. He guided me through car recommendations, arranged test drives the very next day, handled all the paperwork, and made the entire process seamless. I didn’t even have to leave my office.From now on, I’ll be working exclusively with Vantage Auto and recommending them to anyone looking for a stress-free car leasing experience. Sean and the team truly go above and beyond. thank you Sean for the excellent service. First time leasing a car and not having to take headache pills.Again, thanks! Manny Barrueco
Manny Barrueco
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Very smooth process and car was delivered on time and the driver and sales rep were very nice and easy to work with!
Very smooth process and car was delivered on time and the driver and sales rep were very nice and easy to work with!
David Tingle
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Purchase went smoothly and stress-free
Purchase went smoothly and stress-free
Carol Roseto
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I just had a really great experience with Deborah getting a new car. The whole experience could not have been easier. I highly recommend and will definitely be working with them again.
I just had a really great experience with Deborah getting a new car. The whole experience could not have been easier. I highly recommend and will definitely be working with them again.
Timothy Norsworthy
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Heymi helped with the whole procedure and was very kind
Heymi helped with the whole procedure and was very kind
David Segarra